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Prime Interest Rates

At the time of this writing the prime interest rates are around pretty steady around 4%. The prime interest rate has been as high as 12% in the past twenty years. The Wall Street Journal determines what the prime interest rate is based upon the rate charged by the 30 largest banks in the United States.

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The prime interest rate responds to changes in demand for loans and also the amount of money that is present in the entire banking system. Banks will adjust their rates for competitive reasons but primarily because the yare all subject to the same monetary decisions that affect every other bank in the US.

The prime interest rate is influenced by a variety of factors directly such as the discount rate and the federal funds rate and many indirect factors that influence these figures. The Federal Reserve does not directly set the prime rate.

The prime interest rate is a figure that represents the interest rate paid by the excellent credit borrowers (typically well to do businesses). The figure is typically pretty consistent across major banks and the rate is reported at the opening of every month.

 


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Prime interest rates are the rates given to the most credit worthy of business borrowers in the United States. These rates are adjusted marginally for each borrower based upon their particular credit worthiness as a business… Today’s interest rates are low enough to leave you happy with your loan terms in a few years when rates begin to rise. There are several indices that are factoring into today’s low interest rates that you can learn more about and follow as interest rate changes take place… Mortgage lending is a process best done with the assitance of a mortgage broker. Mortgage brokers do lending services day in day out and have garnered experience few home buyers get from the few home purchases they make during their lives…
Amortization calculators allow you to calculate your monthly mortgage payment based upon a given interest rate. You can also determine the effect on your loan term of making extra payments every few months to pay off your mortgage quicker… If you move frequently an interest only mortgage may suit your needs. You can get away with smaller monthly payments with the sacrifice of not building equity in a home you do not intend to stay in for very long anyway…

The United States has seen and endless stream of home refinancing as interest rates continue to drop and remain at relatively low levels. If you intend to stay in your home for more than a few yours you should consider refinancing again to save on your interest costs every month…

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